Business Account Fees And Information - Wells Fargo
Effective May 28, 2021Business AccountFees and InformationBUSINESS ACCOUNT FEE ANDINFORMATION SCHEDULE
Table of ContentsIntroduction 3Overview & Key Terms 4Initiate Business CheckingSM 6Navigate Business CheckingSM 6Additional Navigate Business CheckingSM 6Optimize Business CheckingSM 8Analyzed Business Checking 8Specialized Accounts 10Federal Agency Checking 10State/Local Government Checking 10U S Government Checking 10IOLTA, Analyzed IOLTA, and RETA 10Business Savings Accounts & Business Time Accounts 11Business Market Rate Savings 11Business Platinum Savings 11Time Accounts (CDs) 11Overdraft Services 12Service Fees 132
IntroductionThis Business Account Fees and Information document, the “Business Schedule,”along with the following documents, collectively is your contract with Wells Fargoand constitutes the “Agreement” that governs your account with Wells Fargo: The Deposit Account Agreement, Our interest rate sheet for interest-bearing accounts, Our privacy notice, and Any additional disclosures, amendments, or addenda we provide to you In these documents, when we say, “Wells Fargo,” “Bank,” “we,” “us,” and “our,” we aretalking about Wells Fargo Bank, N A “You” and “your” means the account owner andany other person authorized to operate an account Be sure to review the DepositAccount Agreement, including the “Glossary” section, for important defined termsused in this Schedule We regularly update this Business Schedule, which is applicable to new and existingbusiness deposit accounts You can get a copy of the current Business Schedule atwellsfargo com, by requesting it from a banker, or by phone 3
Overview & Key TermsThis document helps you understand your account features and requirements, the fees that may apply, and how to minimize or avoid fees wherepossible. If you don’t find your account type listed, check with a Wells Fargo banker for information about your account, including fees and otherimportant information What we meanby fee period andwhy it mattersThis section applies to the following products: Initiate Business CheckingSM, Navigate Business CheckingSM,Additional Navigate Business CheckingSM, Federal Agency Checking, State/Local Government Checking,U S Government Checking, Business Market Rate Savings, and Business Platinum Savings How we track and report your account activity, including what’s provided in your periodic statements,doesn’t always match a calendar month Instead, we use a fee period to determine the monthly service feeand other monthly fees A fee period can have 25 to 35 days We calculate and post your monthly servicefee, if any, on the last business day of your fee period If your account allows you to avoid a monthly servicefee, knowing your fee period end date will help you keep track of when you need to meet one of therequirements so that you might be able to avoid the fee You’ll find the dates of your fee period in the Monthly service fee summary on your periodic statement The fee period end date is the last day posted transactions and account changes apply to that feeperiod If your fee period ends on the last calendar day of the month, only transactions posted throughthe last business day of the month will count towards the fee period Pending transactions displayed inonline banking are not posted transactions See “Determining the day your deposit is received by theBank” in the “Availability of Funds Policy” section in the Deposit Account Agreement for more details ontransaction posting. Unless otherwise specified, maintenance or service requests for your account(for instance, setting up an automatic transfer or linking accounts) made after the cutoff time or on anon-business day will be processed and made effective on the next business day.Combined balances determined one day before last business day each period: Navigate BusinessChecking has a combined balance option to avoid the monthly service fee The combined balance isdetermined one business day prior to the last business day of your fee period Initial monthly service fee waiver: We’ll waive the monthly service fee for each fee period ending withinthe first 64 days of opening.Other fees subject to the fee period: In addition to the monthly service fee, we also use the fee periodto count the number of posted transactions we allow before charging a fee For example, if your accountallows a certain number of no-charge ATM transactions each fee period, we’ll only charge for ATMtransactions after that number has been met within the fee period Other fees subject to the fee periodinclude the transactions fee, deposited items fee, cash deposit processing fee, coin order fee, currencyorder fee, and check image option fee Your fee period can change: We may, at our discretion, change your fee period without prior notification.For example, when accounts are brought together into a combined statement, we change the fee periodto match the fee period of the first account listed on the statement. When accounts are delinked from acombined statement, we may change the fee period for the delinked accounts Interest-bearingaccountsFor interest-bearing accounts, you may earn interest based on the account’s daily collected balance Theinterest rate may be as low as 0 00%, and variable interest rates may be changed by the Bank at any time Interest is compounded daily and paid monthly using a 365-day year. For more payment options for CDs,see “Interest on your CD” in the “Time Accounts (CDs)” section in the Deposit Account Agreement ForState, Local, or Indian Tribal government entity Public Funds Time Accounts (CDs) in California and Utah,interest is compounded daily from the date of deposit to the maturity date using a 360-day year.Refer to the current business deposit interest rate sheet to find interest rates in your banking location.4
Analyzed accountsAn analyzed account is a checking account for which fees are billed through account analysis Someanalyzed accounts offer an earnings allowance to offset eligible fees. Analyzed accounts include thefollowing: Optimize Business CheckingSM, Analyzed Business Checking, and Analyzed Interest on LawyersTrust Account (IOLTA) The following terms apply to analyzed accounts:Billing relationship: An account in the billing relationship is identified as the billing account and will bedebited or invoiced for fees All accounts in the billing relationship will appear together on the clientanalysis statement Statements: Analyzed accounts receive two statements per month: A statement detailing your account activity within a time period that is listed on your statement A client analysis statement will provide a breakdown of services during a calendar month Statement period: The dates of your statement period are located on your account statement, whichprovides you a record of all transactions posted during that period For analyzed accounts, the statementperiod from your client analysis statement is used for billing purposes and is based on the calendar month Only transactions that posted through the last business day of the month will count towards that statementperiod If your account allows for a certain number of no-charge transactions each statement period, we’llonly charge for those transactions after the number has been met within the statement period Initial monthly maintenance fee waiver: We’ll waive the first monthly maintenance fee, for the firststatement period, following the opening of an analyzed account 5
Initiate Business Checking & Navigate Business CheckingInitiateBusiness CheckingMonthlyservice fee10Minimum openingdepositTransactions fee(per fee period)25 How to avoidmonthly service feeeach fee period(only one optionrequired per account)NavigateBusiness Checking25 500 minimum daily balanceAdditional NavigateBusiness Checking 10,000 minimum daily balanceLinked to NavigateBusiness Checking 1,000 average ledger balance 15,000 average combinedbusiness deposit balances 25 First 100 transactions: 0First 250 transactions: 0First 150 transactions: 0Over 100 transactions: 0 50 eachOver 250 transactions: 0 50 eachOver 150 transactions: 0 50 each2525Transactions means all checks deposited, and all withdrawals or debits posted to your account, including paperand electronic, except debit card purchases and debit card paymentsCash depositprocessing fee(per fee period)Over 5,000: 0 30 per 100Over 20,000: 0 30 per 100Over 5,000: 0 30 per 100Interest-bearingNoYes; interest ratesare t CardOverdraftServiceAutomatically enrolledAutomatically enrolledAutomatically enrolled6First 5,000: 0 First 20,000: 0 First 5,000: 0
Navigate BusinessChecking benefitsNavigate Business Checking offers the following services at no fee: Stop payments Cashier’s checks Money orders Incoming domestic and international U S /foreign currency wire transfers First two outgoing domestic wire transfers per fee period Overdraft Protection Transfer Fee from eligible business savings account Up to two domestic (U S ) non-Wells Fargo ATM transactions per fee period An ATM access fee will becharged for each additional non-Wells Fargo ATM cash withdrawal transaction Surcharges imposed bynon-Wells Fargo ATM owners or operators will apply Additional Navigate Business Checking accounts also receive these benefits at no charge.If you switch to a Navigate Business Checking or Additional Navigate Business Checking account fromanother type of business account, fee waivers for allowable wire and ATM transactions will be includedafter the current fee period ends You can also avoid the monthly service fee on Additional Navigate Business Checking accounts or onBusiness Platinum Savings accounts when linked to a Navigate Business Checking Account Navigate BusinessChecking combinedbusiness depositbalancesThe combined balance is determined one business day prior to the last business day of your fee period Combined business deposit balances include the average ledger balance in your Navigate BusinessChecking account plus other qualified linked accounts: Your business checking accounts: Initiate Business Checking, Additional Navigate Business Checking,Business Choice Checking, and Business Checking Plus Your business savings accounts: Business Market Rate Savings, Business Platinum Savings, andBusiness High Yield Savings Your business time accounts (CDs): Business Time Account (CD) and Business Step RateTime Account (CD)Your Navigate Business Checking account cannot be linked to another Navigate Business Checkingaccount for combined balances Other accounts linked to your Navigate Business Checking account forcombined balances, such as a Business Market Rate Savings account, cannot simultaneously be linked toanother Navigate Business Checking account to avoid the monthly service fee with combined balances 7
Optimize Business Checking & Analyzed Business CheckingOptimizeBusiness CheckingMonthlymaintenance feeMinimumopening depositTransactions fee(per statement period)75 (Up to 5 linked accounts included in 75 fee) AnalyzedBusiness Checking25 Accounts in excess of 5 are 30 each25 First 250 transactions: 0Over 250 transactions: 0 50 each25 0 20 per transaction Transactions are withdrawals or debits posted to your account and checks deposited electronically withina billing relationship Non-electronic deposits incur a separate fee Non-electronic deposits are processedby a teller or mailed to the Bank Wells Fargo Business Debit or ATM card purchases and payments are not assessed a transaction feeby Wells Fargo Additionally, these transactions won’t be counted as part of the transaction limit onOptimize Business Checking Cash depositprocessing fee(per statement period) Non-electronic deposit fee 1 50 per depositplus 0 20 per check deposited 1 50 per depositplus 0 20 per check depositedEarnings allowanceYesYesInterest-bearingNoNoOptional OverdraftProtectionYesYesDebit CardOverdraft ServiceAutomatically enrolledAutomatically enrolledSwitching accountsduring a statement periodIf you switch to an Optimize Business Account from another type of business account, fee waiversfor allowable wire and ATM transactions will be included after the statement period ends 80 0025 per 1 deposited0 0025 per 1 deposited
Earnings allowancefor Optimize BusinessChecking and AnalyzedBusiness CheckingIf you have Optimized Business Checking or Analyzed Business Checking, your account is eligible for anearnings allowance to offset eligible fees and expenses, including certain service fees. To calculate yourearnings allowance, we apply the earnings credit rate to the investable balance available for services inyour account The earnings credit rate is a variable rate that the Bank can change at any time The rateappears on your client analysis statement If your earnings allowance is greater than the total eligible fees for a given statement period, wewon’t credit that amount to your account or carry it forward to the following statement period In anystatement period where your fees exceed your earnings allowance, we’ll debit your account or invoice youfor the difference.Optimize BusinessChecking benefitsIn order to access treasury services you must choose to enroll Additional fees may apply Contact yourbanker for a complete description of services, fees, and enrollment instructions Additional benefits arewithin a billing relationship If you choose to enroll in select treasury management services with Commercial Electronic Office (CEO ),you’ll receive the following:Monthly base fee waived: CEO Desktop Deposit CEO Basic Banking CEO ACH Payments (Prepaid credit) ACH Fraud Filter Zero Balance Account(within a single legal entity)No monthly base fee: CEO Wires CEO Administration service Alerts service (email and text) Transaction Search Statements & Notices service Treasury Information Reporting (ExpressBalance and ACH Return/NOC (notifications ofchange) reportAlso, at no charge: Up to five outgoing CEO Wires per statement period and 15 for each additional CEO Wires outgoingtypes included:– Wire out domestic Outgoing U S dollar (USD) wire debiting a Wells Fargo account, initiated inCEO Wires (freeform or templated) – Wire out cross border U S dollar (USD) Outgoing cross border USD wire debiting a Wells Fargoaccount, initiated in CEO Wires (freeform or templated) – Wire out cross border foreign exchange Outgoing cross border foreign currency wire (freeformor templated) initiated via CEO Wires settling to a Wells Fargo account Incoming domestic and international U S /foreign currency wire transfers Stop payments Cashier’s checks Money orders Two domestic (U S /U S Territories) non-Wells Fargo ATM transactions per statement period ATM feefor each additional non-Wells Fargo ATM cash withdrawal transactions will be assessed Surchargesimposed by non-Wells Fargo ATM owners or operators will apply If your account is converted intoOptimize Business Checking from another account, this benefit will start the following calendar month. No Overdraft Protection Transfer Fee from eligible business savings accountRecoupment feefor AnalyzedBusiness CheckingThe FDIC charges each insured bank a fee to cover its share of the cost of providing deposit insurance todepositors The FDIC does not charge a bank’s depositors for deposit insurance or require banks to passthe cost of deposit insurance on to their depositors The FDIC does, however, permit a bank to recoup thecost of deposit insurance from its depositors, so long as the fee the bank charges its depositors does notreveal information that could be used to determine the bank’s confidential supervisory ratings or misleaddepositors by implying the FDIC is charging the fee The Bank assesses this Recoupment fee to partially recover insurance premiums it pays to the FDIC fordeposit insurance The amount of the Recoupment fee appears on your monthly account statement orclient analysis statement and is based on the monthly average ledger balance maintained in your account The Recoupment fee is subject to change by the Bank at any time without notice 9
Specialized AccountsFederal Agency CheckingState/Local GovernmentCheckingUS Government CheckingMonthly service feeInterest on LawyersTrust Account (IOLTA)Analyzed Interest on LawyersTrust Account (IOLTA)Real Estate Trust Account (RETA)10N/A 500 minimum daily balanceThere is no monthly service fee for theseaccounts All other fees are the account holder’sresponsibility How to avoid monthlyservice fee each fee period(only one option requiredper account) 1,000 average ledger balanceMinimum opening deposit Transactions fee(per fee period)First 200 transactions: 025Over 200 transactions: 0 50 each25 N/ATransactions means all checks deposited, and allwithdrawals or debits posted to your account,including paper and electronic, except debit cardpurchases and debit card paymentsCash deposit processing fee(per fee period)First 7,500: 0Interest-bearingYes; interest rates are variableYes; interest rates are variableOptional OverdraftProtectionN/AN/ADebit Card Overdraft ServiceN/AN/AOver 7,500: 0 30 per 100N/AIOLTA,Analyzed IOLTA,and RETAThese accounts are subject to applicable state laws and rules This includes payment of interest, reportingof information to third parties where required, including overdrafts and returned items, and the accountholder’s responsibility to pay for fees assessed in connection with the account The Bank isn’t responsiblefor overdrafts caused by fees These accounts are not eligible for ATM/Debit Card IOLTA and RETAService fees are paid via deposit of non-trust funds sufficient to cover such fees, where permitted,or via cash at the time of the transaction Analyzed IOLTAService fees are paid via a linked, eligible analyzed billing account (required) Analyzed IOLTA isn’teligible for earnings allowance IOLTA and RETAState-specificprogram namesFor IOLTA: Alabama Law Foundation (ALF) or Alabama Civil Justice Foundation (ACJF),Colorado Lawyer Trust Account Foundation (COLTAF), Florida Interest on Trust Account (IOTA),New York Interest on Lawyer Account (IOLA)10For RETA: Colorado Association of Realtors Housing Opportunity Foundation (CARHOF),Maryland Affordable Housing Trust (MAHT)
Business Market Rate Savings & Business Platinum SavingsBusiness Market Rate SavingsMonthly service fee5 How to avoid monthlyservice fee each fee period(only one option requiredper account)Business Platinum Savings15 300 minimum daily balance Linked to Navigate Business Checking A total amount of 25 or more of automatictransfers from a Wells Fargo business checkingaccount into this savings account Linked to Optimize Business Checking 10,000 minimum daily balanceMinimum opening deposit Deposited items fee(per fee period)First 20 items: 0First 20 items: 0Over 20 items: 0 50 eachOver 20 items: 0 50 eachCash deposit processing fee(per fee period)First 5,000: 0First 5,000: 0Over 5,000: 0 30 per 100Over 5,000: 0 30 per 100Interest-bearingYes; interest rates are variableYes; interest rates are variableCheck writingYesYes2525Time Accounts (CDs)Business Time Account (CD)Minimum opening depositTerms 2,500 From 3 months to 144 months (12 years) From 30-day to 365-day terms also available for balances of 100,000 or moreInterest-bearingYes; interest rate is fixed and based on rate available at account openingWithdrawals duringterm of accountWe’ll calculate any early withdrawal penalty using the interest rate in effect for your CDat the time of the early withdrawal See “Early withdrawal penalty and Regulation D penalty”in the “Time Accounts (CDs)” section of the Deposit Account Agreement 11
Overdraft ServicesOverdraft, Returned Items(Non-Sufficient Funds/NSF)Third parties or other banksmay impose additional chargesfor returned itemsStandard fee for overdraft or item returned for non-sufficient funds From eligible business savings accounts From eligible business credit accountSee your Credit Agreement35 per item12 50 per transferOverdraft Protectiontransfer/advanceOverdraft andreturned item feesWe may charge an overdraft fee for any item we pay into overdraft, and we may charge a returned itemfee each time we return any item unpaid We limit our overdraft and/or returned item fees to eight perbusiness day. We won’t assess an overdraft or non-sufficient funds/NSF fee on items of 5 or less Ifboth your ending daily account balance and available balance are overdrawn by 5 or less after we haveprocessed all of your transactions, we won’t assess an overdraft fee on the items To learn more aboutoverdrafts, see the “Available Balance, Posting Transactions, and Overdrafts” section in the DepositAccount Agreement Overdraft Protectiontransfer/advance feesThe transfer/advance fee depends on the account type you have linked to your checking account forOverdraft Protection, if any We’ll charge the transfer fee to your checking account when we transferfunds from your business savings account If we advance funds from your business credit account,we’ll charge the fee to your credit account Transfers from linked eligible business savings account: If the available balance in your savings accountis 25 or more and can cover the overdraft (plus the Overdraft Protection Transfer Fee), we’ll transfer theexact amount needed or a minimum of 25 If the available balance in your savings account is less thaneither 25 or the amount needed, we’ll transfer the available balance Advances from linked eligible business credit account: If the available credit in your credit account is25 or more and can cover the overdraft, we’ll advance the exact amount needed or a minimum of 25 If the available credit in your credit account is less than either 25 or the amount needed, we’ll advancethe available credit Interest charges may apply 12
Service FeesWhen using your Wells Fargo accounts, you’ll pay charges for specific transactions and services. We base your account fees on the type ofaccount you have and the services you use Your account may provide a discount or fee waivers on certain fees listed below. Your businessaccounts base certain fees on the amount and type of activity in your account each fee period Please review information about your accountin this Business Schedule for additional details. Some fees may be offset by your earnings allowance if you have Analyzed Business Checking orOptimize Business Checking Wells Fargo ATMsNo feeNon-Wells Fargo ATMsBalance inquiry Funds transfer 2 00 each2 00 eachCash withdrawals– U S /U S territories Cash withdrawals – International 2ATM and debit cards12 50 each5 00 eachInternational purchase transactionsFor each purchase in a foreign currency that a networkconverts into a U S dollar amount3% of transaction amountDebit card over-the-counter cash disbursement at a non-Wells Fargo BankU S /U S territories2 International3% of transaction amount3 per teller transactionCashed/depositeditem returned unpaid Cashier’s checks Checks12 per item (for any reason)10Check cashing: non-customers cashing business checksdrawn on Wells Fargo Personalized temporary checks (counter checks) Check printing (prices vary by quantity, style, and design)Varies7 503 per sheet of three checksAccountServiceImageAll accounts exceptthose listed belowClassicfront of checks only Premiumfront and back of checks Optimize, IOLTA,Analyzed IOLTA, RETA2 00 monthly fee*3 50 monthly fee*No fees2 00 monthly fee* up to 75 images ClassicCheck imageAvailable for checkingaccounts with paperstatementsfront of checks only0.03 per image 76 4.00 monthly fee* up to 75 images Analyzed accountsPremiumfront and back of checks0.06 per image 76 60 monthly fee* (waived forOptimize Business Checking) Enhancedenlarged check images0 35 per image *Fee only assessed when check images are included in your account statement for all accounts exceptanalyzed accounts with the Enhanced service option The fee for this service is posted to your accounton the last business day of the fee period For analyzed accounts, the fee is posted on your monthlyanalysis statement 1You may be charged fees for use of your debit card and ATM card by third parties such as stores and merchants, and by other banks andfinancial institutions for use of non-Wells Fargo ATMs. For your debit card, you may be charged by other banks and financial institutions forover-the-counter cash disbursements at their branches 2U S includes the 50 states of the United States as well as the U S territories of American Samoa, Guam, Northern Mariana Islands,Puerto Rico, U S Minor Outlying Islands, and U S Virgin Islands 13
Service Fees (continued)All accounts other than analyzed accountsCoin orderCoin/currencyCurrency orderFirst 15 rolls: 0Over 15 rolls: 0 15 per rollFirst 1,000: 0Over 1,000: 0 13 per 100Analyzed accountsCollections (U.S.)2Deposit AccountControl AgreementCoin order Currency order Change order request 0 15 per roll0 0013 per 15 25 eachIncoming and outgoing Account maintenance per month Setup/Amend simple Setup/Amend complex Deposit correction/adjustment25 per item275 per account750 per agreement1,500 per agreement7 50 per correction Delivery feeVaries depending on service provided, order method (online,from a phone banker, or at a banking location) and delivery methodFees varyForeign draftsForeign andinternational services230 per orderBank draft payable in foreign currency Foreign draft stop payment International item collection ( 250 minimum item amount) 75 each75 eachInternational item deposited International item returned unpaid Outgoing international U S currency/foreign currency(both one-time and repetitive)Fee disclosed at the timeof transaction5 each15 eachLegal process feeIncludes levy, writ, garnishment, and any other legal documentsthat require funds to be attached125 each; maximum 250 peraccount, per calendar monthMoney orderup to 1,000 5 eachMoney servicebusiness designation 75 per month per account usedto conduct money serviceResearch andverification of accounts StatementsStop payments2In U S and foreign currency25 per hour ( 25 minimum)DDA statement – special requestSpecial requests include: duplicate DDA statement,hold statement, special mailing instructions Fiscal calendar setup/change (analyzed accounts)This fee is charged when you request customized statementperiod dates based on your business’s fiscal calendar Paper or ACH item 7 50 per statement35 each31 eachFees may be charged by third parties or other banks, in addition to those described above Note that fees in respect of items denominated inforeign currency are separate from, and are in addition to, the applicable exchange rate applied to the foreign currency conversion 14
Service Fees (continued)DomesticWire transfers all accounts2Incoming Outgoing Repetitive outgoing InternationalU.S. currency15 each 30 each 25 each 16 each 45 each 40 each Wire in via correspondent bank - U S /foreign currencyOutgoing domesticWire transfersanalyzed accountsWire transfer feeadditional charges foranalyzed accountsWire transfer feescharged by third partiesor other banks2Branch Voice Voice repetitive Voice drawdown Auto standing 16 each35 each30 each7 per transfer Outgoing internationalU.S. currency30 each 30 each 25 each Foreign currency45 each 45 each 35 each35 each40 eachN/AN/AN/A20 each18 eachForeign currency30 each 30eachN/A Fax/email advice Fax/email wire report monthly base Mail advice Outgoing wire returned Voice wire monthly base Wire investigation Wire repair surcharge – incoming/outgoing 5 per wire37 per account8 per wire55 each6 per month, per account65 per wire9 eachThird parties or other banks may charge fees in addition to those described aboveFees may be cha
This Business Account Fees and Information document, the “Business Schedule,” along with the following documents, collectively is your contract with Wells Fargo and constitutes the “Agreement” that governs your account with Wells Fargo: The Deposit Account Agreement,
a. El Paso, TX calculates its park fees at 1,370per dwelling for single.00 -family and two-family developments. These fees are over 3 times as much as the Town's park fees. developments. These fees are almost 4 times as much as the Town's park fees. c. Santa Fe, NM calculates its park fees at 450.00 per dwelling. However, all fees
TOP SEC AUDIT FIRMS Of 2004 Ranked by Total Fees FIRMS Audit Fees( ) Audit Related Fees( ) Benefit Plan Related Fees ( ) Tax Related Fees ( ) Other/Misc Fees ( ) Total Fees ( ) All Firms Total
09 10 Introduction to our fees and interest page 4 Maintaining the account fee page 8 06 How can you 07 avoid paying fees and interest? page 18 Fees for using your card page 21 03 Overdrafts 04 05 page 10 Arranged Overdrafts page 12 Unarranged Overdrafts and refused payments page 15 Fees for making payments out of your account page 30 Fees for .
FEES 4 : Periodic fees Section 4.2 : Obligation to pay periodic fees 4 4.2.7I R 4.2.7J G 4.2.7K R Release 5 Mar 2021 www.handbook.fca.org.uk FEES 4/7 If afirmdoes not have sufficient tariff data to enable the periodic fees calculation to be made in respect of thatfee year, it must calculate an annualised figure based on actual data where possible.
For all business accounts, account transaction fees are payable and debited on the last business day of the month. Exceptions: Non-NAB ATM transaction fees which are payable and debited on the day the transaction occurs NAB Business Visa Debit Card or other service fees detailed in S
Account B. Account A is decremented by 100 to 400 and a request for 100 credit to Account B is sent on Channel C12 to site S2. Account A 400, Account B (iii) Site S2 initiates a transfer of 50 from Account B to Account A. Account B is decremented by 50 to 150 and a request for 50 credit to Account A is sent on Channel Czl to site S1.
Salvador company formation fees (without travel) 1. 5,000 0 Company legal registered office fees 2. 1,100 1,100 Estimated El Salvador Government registration fees 3. 135 25 Tax and VAT registration fees 4. 950 0 Salvador corporate bank account opening fees (without travel) 5. 2,95
Introduction to Quantum Field Theory for Mathematicians Lecture notes for Math 273, Stanford, Fall 2018 Sourav Chatterjee (Based on a forthcoming textbook by Michel Talagrand) Contents Lecture 1. Introduction 1 Lecture 2. The postulates of quantum mechanics 5 Lecture 3. Position and momentum operators 9 Lecture 4. Time evolution 13 Lecture 5. Many particle states 19 Lecture 6. Bosonic Fock .
